Compliance Manager, Consumer Compliance

Responsibilities

Lead all US Compliance marketing collateral reviews to ensure compliance with applicable consumer compliance laws and regulations (e.g. UDAAP/Reg E)

Assist legal and other stakeholders with new product launches and product changes by considering compliance with Reg E and any additional requirements from external banking partners

Conduct quarterly quality control reviews of all partner bank marketing collateral reviews in accordance with established procedures and standards

Communicate with partner banks on matters related to consumer compliance including those related to periodic reviews, audits and any potential remediation efforts

Identify opportunities for enhancing policies, procedures, terms and conditions, agreements and other marketing collateral and work with stakeholders to implement improvements.

Maintain, create and update various compliance policies, procedures and process documents including those related to consumer compliance and financial crime compliance

Establish and maintain comprehensive Marketing & Advertising Compliance Guidelines for internal teams

Conduct periodic audits of live digital advertisements to ensure ongoing compliance 

Assist the Compliance team with annual risk assessments and regular reporting

Assist all team members by independently taking on special projects and completing and meeting the teams' goals

Coordinate with various business teams for regulatory exams, due diligence, internal audits, and independent test reviews

Requirements

5+ years of compliance experience in a financial services, fintech, or banking environment in a related consumer compliance role

Direct experience with consumer compliance regulations, especially EFTA/Regulation E and UDAAP

Working knowledge of prepaid and credit card functionality and involved parties

Understanding of the responsibilities of various parties within a multi-party arrangement including the sponsor bank and the program manager

Strong balance of growth goals with regulatory risk management, offering creative solutions, compliant alternatives to marketing proposals

Experience supporting regulatory audits, managing remediation projects, and coordinating cross-functional compliance efforts

Strong attention to detail and the ability to manage multiple priorities in a dynamic environment

Experience preparing materials for working groups, committees, or regulatory submissions

Comfort with ambiguity. You’re someone who doesn’t need a fully paved road to get moving

Fintech or crypto industry background preferred

Familiarity with banking regulators and examination processes is a plus